Less time on admin.
More time on business.

Give your team their own cards, capture receipts as they spend and make reconciliation a whole lot easier.

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Trusted by 3,000+ Kiwi businesses

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From spend to reconciliation

Give your team an easier way to spend, and yourself an easier way to manage it.

  • Give everyone their own card
    Issue virtual cards in seconds, ready to add to Apple Pay or Google Pay, with physical Mastercards available too.

  • Capture receipts on the spot
    Upload receipts in the app and attach them to the transaction while they're fresh.

  • Keep spending visible
    See team transactions as they happen, without waiting until the end of the month.

  • Send it through Xero
    Transactions and receipts flow through to Xero, ready for reconciliation.

Phone showing the Emerge Cards screen with team members' cards and their spending limits.
“We get to give one Emerge card and account per client. It's a dream scenario when it comes time for reconciliation. I was really frustrated with our current bank. I also knew about Emerge as an emerging Kiwi business trying to disrupt that banking sector and I wanted to be part of that. I love using Emerge.”

Tina Comrie, Founder & CEO, Salience

Read more

Start today. Not weeks from now.

No weeks of paperwork or waiting around. Get your Emerge account set up in minutes and get straight down to business.

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1. Sign up

Create your Emerge Business account in under 10 minutes.

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2. Make it yours

Open the accounts you need, add your team and issue cards.

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3. You're ready to go

Start making payments and managing your business money with Emerge.

Get your team set up.
Lose the admin.

Open your Emerge account

Your business account should do more

Open new accounts instantly in the app, move money between them in seconds, and choose from different account types to build the setup that suits your business.

  • Everyday
    For business payments, cards and day-to-day transactions. Open multiple accounts to separate expenses across teams, departments, regions or however you're set up.

  • Growth
    2.6% p.a. variable. Interest-bearing accounts with instant, fee-free access to your funds.

  • Investment
    A NZ managed investment fund available through Emerge, with returns calculated daily, paid quarterly and automatically reinvested.

Their card, your rules

Give your team the freedom to spend, while you decide exactly how.

  • Instant team cards
    Issue virtual cards in seconds, ready to add to Apple Pay or Google Pay, with physical Mastercards available too.

  • Spending limits
    Set daily, weekly or monthly limits for each card, based on what each person needs.

  • Card permissions
    Choose where cards work: online, overseas, at ATMs or contactless.

  • Instant control
    Change limits or freeze cards instantly in app.

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Hand holding a phone showing a transaction's receipt and category details, beside a paper receipt on a desk.

Tools that lighten the load

Set up rules and tools that take care of more of the day-to-day work for you.

  • Receipt required
    Prompt team members to upload a receipt when they spend, so there’s less chasing later.

  • Automatic transfers
    Set rules to automatically move or split money between your accounts.

  • Balance alerts
    Get notified when an account reaches a set balance, so you can stay ahead of it.

  • Manage it on the web
    Manage accounts, transactions and team spending from your desktop.

The right access for the right people

Set up roles, permissions and approvals around how your team works.

Different roles

Give owners, admins and team members the right level of access.

Payment approvals

Set up multi-authorisation so the right people approve payments before they go out.

Team management

Easily add or remove people as your team changes, keeping access up to date.

And yes, it's free.

All of this, without another software bill. No monthly fees, no per-user pricing and no paying more to unlock the features you actually need.

No contracts.  No complicated pricing. No software to implement. Just a better setup.

Get started with Emerge

From expense chaos to under an hour

McCulloch & Partners used Emerge to transform expense management for a fast-moving client. Team cards replaced personal spending and reimbursements, real-time visibility replaced end-of-month surprises, and Xero integration turned hours of reconciliation into a job that can now be wrapped up in under an hour.

Read their story
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Your money, protected

Your funds are held securely in trust with one of New Zealand's largest and highest-rated banks, so they remain separate and protected.

Eligible deposits are also covered by New Zealand's Depositor Compensation Scheme, up to the scheme limit.

Built by Kiwi, for Kiwi businesses

Emerge was built right here in NZ, and so was our support team.

When you need a hand, you'll get a real person who knows Emerge, understands Kiwi business, and can actually help get things sorted.

Built for businesses of every shape and size.

Whether you're just starting out or scaling fast, Emerge gives you the tools to run your business like a pro.

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Sole traders

Keep business and personal spend separate, effortlessly.

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Businesses & teams

Accounts, cards and controls for businesses of all sizes, from small teams to growing companies.

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Charities & incorporated societies

Give treasurers, committees and volunteers the right access, cards and controls without sharing logins.

Less chasing. Less reconciling. More doing.

Accounts, cards and tools that make managing business money easier for you and your team.

Download the app

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Frequently asked questions

What is Emerge?
How is Emerge different from traditional banks?
Is my money safe with Emerge?
How do I open an Emerge account?
How long does it take to get approved?
Is Emerge a bank?
How much does Emerge cost?
What businesses can use Emerge?
What documents do I need to open an account?
Should I use Emerge for my business?